| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE-ACH MOUNTAIN BROOK, AL 35223 | US FIRE INSURANCE COMPANY | $95K | — | $95K | 10.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $15K | $87K | 15.92% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. BIRMINGHAM | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.05% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DR, STE 200 BIRMINGHAM, AL 35223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $45 | $1K | 8.76% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $34 | $1K | 6.58% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $34 | $1K | 6.58% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC | 115 OFFICE PARK DR SUITE 200 BIRMINGHAM, AL 35223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $108 | $2K | 21.22% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $73 | $1K | 15.82% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $73 | $1K | 15.82% |
| ASSUREX3 | 175 SOUTH 3RD ST SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $90 | $90 | 1.12% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. BIRMINGHAM | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7 | — | $7 | 1.93% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 611 | $4.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,047 | $548K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 611 | $4.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,047 | $548K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,047 | $548K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,047 | $548K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 611 | $4.8M |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 349 | $950K |
| Other(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,047 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,047 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.